Here are some really important tips and secrets you need to know in order to get loan modification help so that you can save your family’s home from foreclosure. These are truly desperate times for millions of homeowners, but there is hope for borrowers who can convince their lender to change the terms of their loan through a loan modification.  The new federal plan funded with $75 billion in stimulus money is the second chance you need to finally get an affordable mortgage.

Are you trying to get help with your unaffordable mortgage with a Wells Fargo Bank, Countrywide, Chase, Citigroup or other bank loan modification? All of these banks have loan workout programs, including the Federal stimulus plan, available to qualified borrowers, but who will be approved and who will be denied? Regardless of your lender, before you apply, make sure that you are armed with the information you need to improve your chances of success. Here are 7 Insider Secrets the Pros use that you need to know:

Secret #1: Your lender really does not want to foreclose-it is an expensive process for the bank and bad for our neighborhoods, housing market recovery and overall economy. You just have to show them that it is in their best interest to offer you a loan modification instead.

Secret #2: The Federal Government has implemented programs that actually pay lenders and servicers who offer loan modification programs that meet certain guidelines. The Treasury and President Obama have implemented a far reaching and meaningful plan to stop the increasing foreclosure rate. This program is being funded by your tax dollars-do not hesitate to apply for and fight for the loan workout you need and deserve.

Secret #3: Homeowners cannot wait to be rescued-a knowledgeable and proactive borrower who takes the initiative to learn and prepare can greatly increase their chance of getting a loan modification with their lender. Borrowers who know how the process works, what to expect and how to negotiate with their lender to get the loan workout they need will have a fighting chance to save their home.

Secret #4: Not everyone will qualify-borrowers who learn what their lenders requirements are ahead of time will be able to pre-qualify themselves and be able to prepare their application properly so that it will meet their banks guidelines for approval. How can you find out what your lender is looking for to approve an application? Learn about guidelines, and how to complete your paperwork so you have the best chance of meeting the approval requirements.

Secret #5: All lenders want to know the circumstances surrounding your financial hardship. An important part of the loan modification process is proving to your lender that the current loan terms are no longer affordable. The best way to do this is to write a convincing and compelling Hardship Letter. You can learn what this letter should include and how to write a compelling and convincing letter by following a Hardship Letter outline and letter template.

Secret #6: Back up your story by providing proof of your hardship-for example if your employer has reduced your hours, then get a letter to verify that. If you had medical bills, include copies for the lender to review. You will also have to provide copies of your paycheck stubs, W2′s, and bank statements.

Secret #7: Your loan modification application paperwork must be completed accurately and properly. There are certain forms the lender will ask you to complete-how you complete those forms will determine if you qualify for help or not. What are these forms and how can you be sure you have filled them out correctly? Be sure you learn how before you submit them to your lender.

You Can Do It Yourself!

The biggest Insider Secret that you need to know is that You Can Do This! Do not be intimidated, confused or frustrated any longer. Make the decision to act now to take control of your financial future and fight to save your home. Billions of dollars of your tax dollars are being allocated to help struggling homeowners just like you-you deserve this help. You can learn how to get a loan modification so that you can get a fresh start with your lender. It will take persistence, patience and preparing-but over 250,000 homeowners have already received help and you can too!

You can get the help you need to apply and qualify for a loan modification by ordering the best selling handbook for homeowners, The Complete Loan Modification Guide. This is a low cost, easy to read, home edition loan mod kit that will provide you with everything you need to prepare a professional and acceptable loan modification application. You are provided with all of the necessary forms and given detailed directions on how to complete them properly.

Home Edition Loan Modification Kit with Customer Assist

The Complete Loan Modification Guide will take you step by step through calculating your debt ratio, completing the financial statements, writing your hardship letter and then putting it all together to submit to your lender. You also get 30 days of email support to ask questions, a series of insider tips and a monthly newsletter to keep you up to date on program changes. Learn how to qualify for the Obama Federal loan modification plan. Need help completing your loan modification forms?  Find out about our Customer Assist program-you work one-on-one with your very own expert to make sure your application is completed correctly. Get started today on the path to secure home ownership, order The Complete Loan Modification Guide. For more information about mortgage loan modification, please visit us at: http://www.myloanmodificationcenter.com